3. Toys R Us:The storefront posters of Santa with a surfboard and flip-flops featured in last week's "Christmas in July" sale -- which included holiday-style discounts on Disney ( DIS) Princess toys and Nintendo games, among other items -- were a bit much. The retailer's "Christmas Savers Club," which allows shoppers to put money onto a gift card through cash or credit card payments, is far more in the spirit of the season. Much like the bank Christmas clubs of a half-century ago, the Toys R Us card accumulates 3% interest as the holiday approaches. Laugh all you want at the shopper socking away $500 in June, but he or she will have spending power three Barbie dolls' greater than the consumer spending the same amount in July. That's just good parenting.